Not too be too pedantic but this is the full, accurate quote from Prejudices: Second Series, “Explanations exist; they have existed for all time; there is always a well-known solution to every human problem—neat, plausible, and wrong.”
Age discrimination in the US only applies if you’re discriminating against them for being over 40. This doesn’t apply here since they’re being rejected for their birthday and not their age.
You can’t discriminate against someone for being older than 40. Being under 40 or having 4/20 as your birthday aren’t protected groups.
You have to leave room for Oracle.
It’s also possible that there are multiple filters. So this might be A filter and not THE filter.
The term you’re looking for is “regulatory capture.”